Rideshare services like Uber and Lyft make getting around Florida fast and easy, until something goes wrong. If you were hurt in a rideshare accident, you deserve answers, support, and real legal protection.
Our Florida rideshare accident lawyers know the system, the laws, and the insurance loopholes. We cut through the confusion and fight for the full compensation you deserve. At Steinger, Greene & Feiner, we’ve recovered over $2 billion for accident victims across Florida, and we’re ready to fight for you. Call us today for your free, no-obligation case review.
Why Rideshare Accidents in Florida Are Different
Rideshare accidents aren’t just more common in Florida—they’re also more complicated than regular car crashes. The rise of Uber and Lyft has transformed how we travel, but it’s also created new legal and insurance challenges for anyone hurt in a rideshare crash.
Florida, home to busy tourist areas and growing cities, has seen a sharp increase in rideshare usage, and with that, more rideshare-related accidents. In fact, Uber controls about 76% of the U.S. rideshare market, while Lyft holds around 24%, making Uber-related crashes especially common on Florida’s roads.
When a crash happens, it’s not just about another driver’s mistake. Both Uber and Lyft offer up to $1 million in liability coverage, but when and how that coverage applies becomes disputable. Florida’s no-fault system, layered rideshare insurance policies, and corporate red tape can make getting compensation confusing. Add in corporate red tape, confusing policy language, and the tactics these billion-dollar companies use to protect themselves, and it’s easy to feel overwhelmed.
Florida’s Insurance Laws and Rideshare Accidents
Florida operates under a no-fault insurance system, meaning your Personal Injury Protection (PIP) typically covers up to $10,000 of your medical expenses and lost wages, no matter who caused the crash. But when your injuries are serious and they often are in rideshare wrecks, you may be entitled to pursue additional compensation from Uber, Lyft, or other at-fault parties.
Determining Liability in a Florida Uber or Lyft Accident
Liability depends on the details of the crash and the rideshare driver’s status in the app. Potentially, the next parties might be responsible for the rideshare crash:
- Lyft or Uber Driver — if they were negligent (speeding, distracted, etc.)
- Another Driver — if they caused the crash
- Uber or Lyft’s Insurance — depending on the app status
- Vehicle Manufacturer — if a defect caused the accident
- The Rideshare Company — in cases of negligent hiring or policy failures
But knowing who’s responsible is only part of the equation. In rideshare accidents, insurance coverage and how much is available depend entirely on what the rideshare driver was doing at the time.
Uber & Lyft Insurance Coverage in Florida: How It Works
Unlike standard car accidents, Uber and Lyft accidents involve layered insurance policies that shift based on the driver’s activity. The rideshare coverage applies depending on the following statuses of the Uber or Lyft driver:
| Driver Status | Insurance Coverage |
| Offline (App Off) | Only the driver’s personal auto insurance applies. Uber or Lyft provides no coverage during this time. |
| App On, No Ride Accepted | Contingent liability coverage applies only if the driver’s personal insurance doesn’t cover the accident: – $50,000 per person for bodily injury – $100,000 per accident for bodily injury – $25,000 for property damage |
| En Route to Pickup or Passenger Onboard | Full rideshare company coverage applies: – Up to $1 million in liability coverage – Uninsured/Underinsured motorist coverage – Potential for no-fault (PIP) coverage for immediate medical expenses, as required in Florida |
If a Third-Party Driver is at Fault
The at-fault driver’s insurance is responsible for passenger injuries. If they are uninsured or underinsured, Uber or Lyft’s $1 million policy can step in.
If You’re Injured as a Passenger
Regardless of fault, you may be covered under Uber or Lyft’s $1 million policy for medical bills, lost wages, and pain and suffering.
Florida’s Statute of Limitations for Rideshare Accidents
In Florida, you generally have two years from the date of a rideshare accident to file a personal injury lawsuit. Failing to act within this window may result in losing your right to compensation from the liable party.
What to Do After an Uber or Lyft Accident in Florida
A rideshare accident is stressful enough, and you shouldn’t have to guess what steps to take. Here’s how to protect your health and your legal rights after a Florida Uber or Lyft accident:
- Call 911 Immediately
- Report the crash to local law enforcement.
- Request medical help if needed.
- The police report will be vital for your claim.
- Report the Crash to Uber or Lyft
- Open the app and go to “Trip Issues and Refunds” or “Report a Safety Issue.”
- If you were not a passenger, use Uber or Lyft’s website to report the incident.
- Keep your statement short and factual — avoid discussing injuries or fault. Remember, rideshare companies are in business to protect themselves, not you. Their goal is to limit payouts, so be cautious with what you say.
- Gather Important Evidence
- Take photos of rideshare vehicles, damage, injuries, and the crash scene.
- Screenshot your rideshare trip details and any app messages.
- Get contact and insurance information from all drivers involved.
- Identify witnesses and get their statements and contact information.
- Get Medical Attention Right Away
- Even if you feel okay, injuries can worsen later.
- Document all medical visits and treatments.
- Avoid Speaking to Insurance Companies
- Rideshare and third-party insurers may contact you quickly.
- Don’t give a statement to an Uber or Lyft corporate representative. Don’t sign anything they provide. These are billion-dollar companies trained to protect their bottom line, not your recovery.
Filing an Uber or Lyft Accident Claim
Once you’ve taken the necessary steps after a rideshare accident, it’s time to formally pursue your claim. Start by gathering all essential documentation, including the police report, medical records, photos of the scene, proof of your rideshare trip, and contact details for any witnesses. The next step is determining which insurance applies, which depends on the rideshare driver’s status within the app at the time of the accident. You should file claims promptly with Uber or Lyft’s insurer and with the insurer of any other at-fault parties.
It’s important to avoid providing recorded statements to insurance companies, as they often look for ways to minimize your claim and compensation.
How Our Florida Rideshare Accident Lawyers Can Help
Uber and Lyft are billion-dollar corporations with teams of lawyers and insurance adjusters trained to protect their profits, not your well-being. After a rideshare crash, their goal is simple: pay injured victims as little as possible. That’s where we come in, and take care of everything so you don’t have to:
- Thoroughly investigating your accident and securing the evidence, rideshare providers hope you overlook
- Dealing directly with Uber, Lyft, and their insurance teams — so you don’t risk saying the wrong thing
- Fighting to uncover every source of compensation, including the extra insurance companies often avoid mentioning
- Negotiating aggressively for maximum recovery
- Preparing your case for trial if the rideshare company refuses to pay fairly
No upfront fees. No stress. You only pay if we win.
Why Choose Steinger, Greene & Feiner?
When it comes to finding a knowledgeable, results-driven car accident attorney in Florida, Steinger, Greene & Feiner is the firm countless injury victims have turned to.
- Over $2 billion recovered for injured clients
- 25+ years of experience protecting Florida crash victims
- Local offices with statewide reach
- Available 24/7 — because accidents don’t happen on a schedule
- Bilingual support for Florida’s diverse communities
- Our personal injury lawyers know how to hold powerful rideshare companies accountable, and we know how to win
With over 100 years of combined experience, our dedicated team of motor vehicle accident lawyers knows how to deliver real results—and we have the case outcomes to prove it.
We’ve recovered billions of dollars for accident victims, including:
- $835,000 verdict for a car accident caused by a police officer
- $700,000 verdict for a highway accident where the insurance company wrongly blamed pre-existing conditions—our attorneys set the record straight
- $610,000 settlement for a client injured in a crash with no independent eyewitnesses—our legal team proved negligence and secured justice
- $250,000 settlement for a client rear-ended at high speed, requiring surgery and significant recovery time
Florida Cities We Serve
Our personal injury law firm represents clients across Florida, including:
- Miami
- West Palm Beach
- Coral Gables
- Fort Lauderdale
- Fort Myers
- Jacksonville
- Tampa
- Okeechobee
- Orlando
- Port St. Lucie
- St. Petersburg
Virtual or in-person consultations at our offices are available statewide.
Get a Free Lyft or Uber Accident Case Review Today
Injured in a Florida Uber or Lyft accident? Don’t sign anything. Don’t give statements to corporate reps. Let our rideshare accident attorneys protect your rights and fight for the full compensation you deserve.
Contact Steinger, Greene & Feiner now for a free consultation. We’re ready to help 24/7.